Your dreams don't retire when you do.
At Grinstead Wealth Management, we turn retirement worries into well-crafted plans.
Our personalized strategies help you balance living well today while securing tomorrow, so you can focus on what matters most - enjoying your golden years with confidence. Let us handle the financial details while you embrace life's possibilities.
Focused on You
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You'll get clarity of where we are today
From there, we build and carry out the plan. Just for you
You can count on regular updates & enhancements, with a focus on what matters most—your future
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Quality investment choices that fit your unique goals, and adapt to life's changes
Have confidence with a dedicated expert by your side, who is handling the details while you stay focused on what matters most
You can rely on a commitment to keep you on track, with your investments always working for you
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It's not how much you make, it's how much you keep
Don't let taxes eat into your profits. Our specialized tax planning ensures you're using the tax-saving strategies available.
We'll help you retain more of your earnings to grow for your goals
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Uncover income opportunities
Grow your current cash flow, build a steady stream for retirement, or reinvest for the future, your strategy will be tailored to optimize the income from your investments
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Your retirement should be as unique as you are.
We’ll focus on maximizing your Social Security, pension, and income streams, ensuring every decision is tailored to your life and future. You get a personalized plan that puts you in control.
So you can retire with confidence, knowing your financial future is secure.
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Protecting your wealth means understanding the risks that could impact your future.
At Grinstead Wealth Management, we focus on strategies that minimize those risks, from market volatility to unexpected life events. You get a customized risk management plan built around your needs.
Helping you feel confident that your assets are protected—no matter what the future holds.
You've earned your retirement. Stop letting money worries hold you back.
At Grinstead Wealth Management, we understand the delicate balance between enjoying today and protecting tomorrow. When market swings make you nervous or inflation threatens your purchasing power, our strategic planning helps ensure your nest egg provides reliable income without being depleted. Let us help you find that sweet spot between financial security and living life to the fullest. After all, retirement should be about savoring the life you've worked so hard to build.
Partnering Together
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Let’s Get Acquainted
What’s important to you, where you are and where you want to go.
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A Personalized Plan
A tailored financial strategy that aligns with your unique goals.
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Expertly Implemented
Investment and Tax Strategies with ongoing management to stay on track.
Social Security Solvency: It’s a Problem. Here’s what to do
Concerned about Social Security's future? This expert analysis cuts through the solvency headlines to reveal what retirees really need to know. Learn why claiming early due to fear could cost you hundreds of thousands in lifetime benefits, how married couples should approach Social Security as a household strategy, and why working with a fee-only fiduciary advisor is essential for optimizing this valuable retirement asset. Discover practical wisdom from decades of financial analysis that will help you make confident Social Security decisions regardless of potential policy changes.
The Retirement Paradox - Why Market Volatility Requires a New Approach in Your Golden Years
The rules that helped you build wealth can actually undermine your financial security in retirement. As market volatility increases, inflation persists, and global trade tensions create economic uncertainty, retirees face unique challenges that require specialized strategies.
After managing over $600 million in assets for more than 400 families during my career, I've identified a critical pattern: the most financially secure retirees recognize that retirement requires fundamentally different approaches than the accumulation phase. Market downturns affect you differently when withdrawing funds than when contributing, creating what economists call "sequence of returns risk."
Meanwhile, inflation erodes purchasing power while tariffs unexpectedly increase costs for everyday necessities, creating a perfect storm for retirement finances. These macroeconomic pressures demand sophisticated planning approaches that traditional wealth management often overlooks.
Successful retirement planning now requires structural protections against both market volatility and inflation, strategic Social Security claiming decisions, and awareness of how global trade policies might affect your spending power. Most importantly, it requires recognizing when accumulation-phase thinking no longer serves your financial security.
Through my independent practice focused on personalized retirement guidance, I provide comprehensive strategies integrating income planning, tax optimization, and investment management tailored to today's complex economic landscape. Don't let outdated financial approaches leave your retirement vulnerable to market volatility, persistent inflation, and unpredictable tariffs.
Preserving Your Legacy: How to Navigate Volatile Markets
Market volatility hurts retirees more severely when withdrawing than when contributing. Learn how professional retirement income planning can safeguard your financial security through inevitable market downturns while ensuring your money lasts throughout your retirement years.
The Ticking Tax Time Bomb: Strategic Tax Planning for Retirees
Are you worried about the impact of future tax increases on your retirement savings? As a leading financial advisor in Albuquerque, Grinstead Wealth Management specializes in helping retirees defuse the ticking tax time bomb in their retirement accounts. With historically low tax rates today and the national debt climbing past $30 trillion, strategic tax planning has never been more critical for Albuquerque retirees.
Many Albuquerque residents have diligently saved in traditional IRAs and 401(k)s, only to discover these accounts represent "joint ownership" with the IRS. Every dollar will eventually face taxation—potentially at much higher future rates. The SECURE Act further complicated matters by requiring non-spouse beneficiaries to withdraw inherited retirement funds within just 10 years.
Our Albuquerque financial advisors can help you implement five proven strategies to protect your retirement from unnecessary taxation: timing Roth conversions strategically, securing your pre-RMD sweet spot, transitioning to tax-free growth vehicles, considering permanent life insurance for estate planning, and personalizing your approach based on your unique situation.
Don't wait until tax rates increase to take action. Contact Grinstead Wealth Management today—Albuquerque's trusted financial advisors for retirement tax planning—and schedule your personalized tax strategy session.
Your Required Minimum Distribution Roadmap for Retirement
In this guide, we’ll break down what RMDs are, how to calculate them, and the strategies to minimize their tax impact. Discover how professional financial guidance can simplify your RMD process, ensuring compliance while aligning withdrawals with your overall retirement goals.
Avoid RMD Penalties: What Every Retiree Must Know
Avoid Costly RMD Mistakes and Secure Your Retirement
Missing a Required Minimum Distribution (RMD) can cost retirees thousands in penalties, but it doesn't have to. Learn how to navigate RMD rules, avoid common pitfalls, and protect your savings. Whether it’s automating withdrawals, ensuring accurate calculations, or spreading out distributions, simple strategies can save you stress and money.
When to Withdraw From Which Account: A Tax-Saving Guide
Planning your retirement withdrawals strategically can help you minimize taxes and make your savings last longer. But knowing whether to start with taxable accounts, tax-deferred accounts like 401(k)s, or Roth IRAs isn’t always straightforward. In this tax-saving guide, we explore different withdrawal strategies and why consulting a fiduciary financial advisor is key to creating a personalized plan tailored to your unique retirement goals. Discover how the order of your withdrawals can impact your financial future.
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The Complete Approach
Personalized, proactive strategies that integrate investment management, tax and education planning to simplify and secure your financial future
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See if it's a Good Fit
Share your financial goals and challenges. We can explore your unique situation and determine if our personalized approach is the right fit for you.
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FAQ
Clear, straightforward answers to common questions about our services, fees, and approach—feel confident and informed as you plan your financial future.